FIRST CITIZENS BANCSHARES INC /DE/
First Citizens BancShares operates a bank holding company with over 500 branches across 22 states, primarily in the Southeast and Mid-Atlantic, providing deposit products, loans, wealth management, and investment services to consumers and businesses.
FIRST CITIZENS BANCSHARES INC /DE/ is a Financial Services company operating in Banks - Regional.
Most recent reported earnings: Q3 FY2025 (Oct 21, 2025).
Behavioral analysis
Disclosures
Extracted from Unknown source, 2026-06-21.
Transcripts
History
Spoken Alpha tracks FCNCO's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 60% of the time
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for FCNCO.
$ curl https://api.spokenalpha.com/v1/companies/FCNCOFAQ
Spoken Alpha indexes FCNCO's earnings call transcripts at https://spokenalpha.com/companies/FCNCO. Each call links to attributed speakers and parsed analyst Q&A. FIRST CITIZENS BANCSHARES INC /DE/'s own investor relations page is at https://ir.firstcitizens.com/overview/default.aspx.
FIRST CITIZENS BANCSHARES INC /DE/ (FCNCO) operates in the Financial Services sector (Banks - Regional industry).
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q3 FY2025 | 2025-10-21 | $43.08 | — | — | $3.69B | — | — | EODHD |
| Q2 FY2025 | 2025-07-22 | $42.36 | — | — | $3.62B | — | — | EODHD |
| Q1 FY2025 | 2025-05-08 | $34.47 | $0.00 | — | $3.52B | — | — | EODHD |
| Q4 FY2024 | 2025-02-20 | $49.18 | $0.00 | — | $3.69B | — | — | EODHD |
| Q3 FY2022 | 2022-10-23 | $0.00 | $1.21 | -100.0% | $1.31B | — | — | EODHD |
| Q2 FY2022 | 2022-07-24 | $0.00 | $1.08 | -100.0% | $1.15B | — | — | EODHD |
| Q1 FY2022 | 2022-04-25 | $0.00 | $1.14 | -100.0% | $1.09B | — | — | EODHD |
| Q3 FY2021 | 2021-11-04 | $1.72 | $1.08 | +59.3% | $471.0M | — | — | EODHD |
| Q2 FY2021 | 2021-07-29 | $2.14 | $0.93 | +100.0% | $481.0M | — | — | EODHD |
| Q1 FY2021 | 2021-04-29 | $3.04 | $0.72 | +100.0% | $478.0M | — | — | EODHD |
| Q4 FY2020 | 2021-02-18 | $-0.04 | $0.57 | -100.0% | $491.3M | — | — | EODHD |
| Q3 FY2020 | 2020-10-29 | $0.84 | $0.09 | +100.0% | $483.0M | — | — | EODHD |
Source: EODHD. FCNCO reported actuals as published; sparse fields render as —.
When a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $1.55 | $1.33 | +16.9% | -2.0% | -4.7% |
| Q4 FY2026 | $1.56 | $1.36 | +14.6% | -6.0% | -7.0% |
| Q3 FY2026 | $1.77 | $1.48 | +19.8% | +0.8% | +1.4% |
| Q2 FY2026 | $1.47 | $1.37 | +7.0% | -7.4% | -5.7% |
| Q1 FY2025 | $1.73 | $1.45 | +19.0% | -2.3% | -3.3% |
CFO since 2025 • 3/4 beats (75%) • last guidance cut Q2 FY2026
| Q4 FY2025 |
| $1.53 |
| $1.43 |
| +6.7% |
| -3.4% |
| -3.7% |
| Q3 FY2025 | $1.61 | $1.50 | +7.5% | +0.6% | +1.2% |
| Q2 FY2025 | $1.78 | $1.53 | +16.6% | +2.1% | +4.3% |
| Q1 FY2024 | $1.81 | $1.65 | +9.6% | -2.4% | -1.0% |
| Q4 FY2024 | $1.66 | $1.52 | +9.2% | +3.1% | +3.7% |